Workers Compensation Insurance

It's a good thing for you and your employees

Keeping your employees safe at work is important to most business owners. But when a worker does suffer an injury, workers compensation coverage provides your employees with protection they need, and provides you with peace of mind that they’ll be covered.

Workers' Comp Insurance Basics

Since workers' comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work, the scope of the coverage of the policy is limited to duties performed by employees.

Injuries that may be covered by workers' comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Workers' Compensation Insurance may cover:

  • Medical bills for employees hurt or sickened at work
  • Ongoing care, including rehabilitation
  • Wages missed while recovering (often partial)
  • Employee lawsuits over injuries (through Employer's Liability Insurance)
  • Funeral expenses, if an employee is killed on the job
  • Death benefits to support the deceased's family

It does not cover:

  • Third-party lawsuits
  • Lawsuits over professional errors
  • Wages for a replacement worker
  • Parental leave benefits
  • OSHA penalties

Worried about the cost?

We specialize in covering local businesses like yours. We have everything you need right here, including:

  • Monthly payment options to help spread out your payments so you can better manage your cash flow
  • Coverage of temporary staff, full-time employees, and independent contractors
  • Claims responsiveness when time is of the essence, especially in the event of an insurance claim
  • Tailored coverage for the specific risks of your field and industry
  • Knowledgeable agents who provide exceptional, passionate service
  • Coverage for contracts satisfying most standard contract insurance requirements
  • Fast and simple online quotes, or helpful agents, immediate coverage

Why We're Different

There’s no such thing as a one-size-fits-all insurance policy.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we look for ways to protect you better, including carefully choosing the insurance companies we represent.

We desire to be a client-focused agency that is recognized as a trusted insurance advisor in our communities. We value long lasting relationships with our clients, built on a commitment to excellence, continual improvement and a high standard of customer service.

Contact us today and we’ll get to work finding the right fit for you. What matters to you, matters to us.